I do not doubt that online leads are a huge part of our business but I also want people to know that with no online exposure. No online advertising and a focus on customer service & realtor relationships, that you can be a top 5% mortgage broker. It all works, focus on what works best for you.

The best online presence around cannot hide the fact that some brokers provide bad service. Ron, you know that the best website & online advertising around cannot compete with you if you get the chance to sit down with that client. The client would acknowledge you have twice the knowledge and expertise and would not be going back to the fancy website.

My point was about staying in the top 5%. Bronze age mortgage brokering will definitely continue, I have always said that plain vanilla mortgage brokerage will always be there but HIGH VOLUME brokerage in the future requires embracing all aspects of the web and electronic commerce; Social Media, skyping meetings, Apple and Android apps, its a long list of adaptations to maintain big numbers.